North Slope, AK Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 75 mortgage applications in North Slope, AK totaling $10.8 million, up 27% from 2014. The average application was for $143,000, and applicants reported an average income of $120,000. 32% of applications resulted in an originated loan and 33% were denied. The most active lender was Wells Fargo Bank NA, with 22 applications, followed by Residential Mortgage, LLC and Alaska USA Mortgage Co., LLC.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 75 |
| Total Mortgage Loan Application Amount | $10,762,000 |
| Average Mortgage Loan Application Amount | $143,000 |
| Highest Mortgage Loan Application Amount | $337,000 |
| Average Applicant Income | $120,000 |
| Highest Applicant Income | $2,424,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 22 | $ 2,195,000 |
| Residential Mortgage, LLC 100 CALAIS DRIVE, SUITE 100 ANCHORAGE, AK 99503 |
* | $ 106,268,000 | 14 | $ 2,797,000 |
| Alaska USA Mortgage Co., LLC PO BOX 196850 ANCHORAGE, AK 99519 |
* | $ 1,485,079,000 | 13 | $ 2,553,000 |
| Credit Union 1 1941 ABBOTT RD ANCHORAGE, AK 99507 |
* | $ 923,562,000 | 6 | $ 46,000 |
| Global Federal Credit Union PO BOX 196850 ANCHORAGE, AK 99503 |
* | $ 5,725,001,000 | 4 | $ 704,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 2 | $ 180,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 83,125,845,000 | 1 | $ 248,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 99,000 |
| Denali Federal Credit Union 471 WS. 36TH AVENUE SUITE 110 ANCHORAGE, AK 99503 |
* | $ 570,799,000 | 1 | $ 137,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 195,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 91,782,513,000 | 1 | $ 74,000 |
The tables below break down 2015 mortgage applications in North Slope, AK by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for North Slope, AK in 2015
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 32 | $6,230,000 | $194,000 | $337,000 | $85,000 | $167,000 |
| Refinancing | 25 | $3,994,000 | $159,000 | $248,000 | $103,000 | $486,000 |
| Home Improvement | 18 | $538,000 | $29,000 | $185,000 | $206,000 | $2,424,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| American Indian or Alaskan Native | 37 | $5,324,000 | $143,000 | $337,000 | $99,000 | $486,000 |
| White | 10 | $1,154,000 | $115,000 | $240,000 | $76,000 | $138,000 |
| Asian | 9 | $1,388,000 | $154,000 | $260,000 | $103,000 | $197,000 |
| Not Provided | 7 | $875,000 | $125,000 | $280,000 | $427,000 | $2,424,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $498,000 | $124,000 | $265,000 | $73,000 | $90,000 |
| Not applicable | 4 | $704,000 | $176,000 | $248,000 | $0 | $0 |
| Hispanic | 3 | $689,000 | $229,000 | $273,000 | $100,000 | $139,000 |
| Black or African American | 1 | $130,000 | $130,000 | $130,000 | $74,000 | $74,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 41 | $3,557,000 | $86,000 | $239,000 | $154,000 | $2,424,000 |
| FHA-insured (Federal Housing Administration) | 30 | $6,365,000 | $212,000 | $337,000 | $75,000 | $167,000 |
| VA-guaranteed (Veterans Administration) | 4 | $840,000 | $210,000 | $240,000 | $103,000 | $139,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 25 | $2,419,000 | $96,000 | $280,000 | $101,000 | $486,000 |
| Loan Originated | 24 | $3,636,000 | $151,000 | $337,000 | $89,000 | $234,000 |
| Application Withdrawn By Applicant | 13 | $2,326,000 | $178,000 | $273,000 | $97,000 | $197,000 |
| Loan Purchased By The Institution | 7 | $1,462,000 | $208,000 | $333,000 | $39,000 | $138,000 |
| Application Approved But Not Accepted | 4 | $912,000 | $228,000 | $320,000 | $85,000 | $99,000 |
| File Closed For Incompleteness | 2 | $7,000 | $3,000 | $5,000 | $1,238,000 | $2,424,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 8 | $881,000 | $110,000 | $280,000 | $93,000 | $202,000 |
| Credit History | 7 | $303,000 | $43,000 | $199,000 | $59,000 | $95,000 |
| Collateral | 4 | $349,000 | $87,000 | $119,000 | $124,000 | $291,000 |
| Credit Application Incomplete | 2 | $335,000 | $167,000 | $215,000 | $243,000 | $486,000 |
| Other | 2 | $219,000 | $109,000 | $130,000 | $135,000 | $197,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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